Trying to find the cheapest auto insurance rates for your Ford Fusion? Searching for the cheapest insurance for a new or used Ford Fusion can turn out to be a painful process, but you can learn a few tricks to make it easier.
There are both good and bad ways to find auto insurance online so we’re going to tell you the proper way to price shop coverage for a new or used Ford and locate the cheapest rates either online or from local insurance agents.
You need to take a look at other company’s rates on a regular basis due to the fact that insurance prices trend upward over time. Just because you found the best rates on Fusion coverage at your last renewal you will most likely find a better premium rate today. Forget all the misinformation about auto insurance because you’re about to learn how to use online quotes to save on auto insurance.
If you are insured now or need a new policy, you can use these tips to find the best rates while maximizing coverage. Finding cheaper auto insurance is quite easy. Consumers only need to know how to shop on the web.
Car insurance is not cheap nor is it fun to buy but there are discounts available to help bring down the price. Certain credits will be shown when you get a quote, but some may not be applied and must be asked about prior to getting the savings.
One last thing about discounts, most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because you may think you can get free auto insurance, nobody gets a free ride.
Auto insurance companies that may offer quotes with many of the previously listed discounts are:
If you need the cheapest car insurance quotes, ask every insurance company which discounts can lower your rates. A few discounts might not apply in your area. For a list of car insurance companies who offer discounts, follow this link.
Finding a better price on car insurance is an easy way to save money. The only requirement is to invest a few minutes comparing free car insurance quotes provided by online insurance companies. Rate comparisons can be done by using one of the methods below.
You can use whichever method you prefer to find lower rates, just ensure you are comparing apples-to-apples quote information for each comparison quote. If you have different values for each quote it will be very difficult to make a fair comparison for your Ford Fusion.
Many things are used in the calculation when premium rates are determined. Most are fairly basic such as traffic violations, but other factors are not quite as obvious like your continuous coverage or your commute time.It’s important that you understand some of the factors that are used to determine the price you pay for insurance. When consumers understand what controls the rates you pay, this allows you to make good choices that may result in lower premium levels.
The itemized list below are just a few of the factors used by companies to determine your rate level.
When choosing the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different.
These are some specific questions may help you determine if your situation might need an agent’s assistance.
If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.
Drivers can’t get away from ads that promise big savings for switching from companies such as State Farm, Allstate and GEICO. They all tend to make the same promise about savings just by switching your coverage.
How do they all make the same claim?
Different companies have specific criteria for the type of driver that is profitable for them. An example of a profitable insured could possibly be over the age of 40, has a clear driving record, and drives a vehicle with a low ISO rating. A customer who fits that profile may get the lowest premium rates and will most likely save when they switch companies.
People who do not fit the requirements may be forced to pay higher prices which usually ends up with the customer buying from a different company. The trick is to say “drivers who switch” not “all people who quote” save that much when switching. That is how companies can truthfully advertise the savings.
Because each company has a different risk profile, you need to do a price quote comparison at every renewal. It is impossible to predict which company will have the best prices for your profile.
Knowing the specifics of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like chiropractic care, surgery, dental work, X-ray expenses and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible
This coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.
Liability can pay for things such as bail bonds, funeral expenses, medical expenses, legal defense fees and structural damage. How much coverage you buy is your choice, but buy higher limits if possible.
Collision coverage protection
This covers damage to your Fusion resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like crashing into a building, driving through your garage door, sideswiping another vehicle, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.
This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like hitting a bird, falling objects and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Fusion.
Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
When searching for inexpensive car insurance quotes, do not skimp on coverage in order to save money. There are a lot of situations where someone sacrificed liability coverage limits and found out when filing a claim that it was a big error on their part. The goal is to purchase a proper amount of coverage for the lowest cost, but don’t skip important coverages to save money.
We covered a lot of ways to get a better price on 2014 Ford Fusion insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even find the lowest priced insurance comes from the smaller companies.
Insureds change insurance companies for a number of reasons such as denial of a claim, policy non-renewal, lack of trust in their agent and policy cancellation. It doesn’t matter why you want to switch choosing a new insurance company is pretty simple and you could end up saving a buck or two.
More detailed insurance information can be found in the articles below: